The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$113,276
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$116,799
−HK$3,580/mo
Today · 4.125%
HK$120,379
baseline
▲ 0.50% · 4.625%
HK$127,704
+HK$7,325/mo
Deposit HK$24.84M · loan HK$24.84M · min. income ≈ HK$240,758/mo (50% DSR)
Upfront cash ≈ HK$26.95M (deposit + AVD stamp duty HK$2,111,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,018
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$129,398
−HK$3,429/mo
Today · 4.125%
HK$132,827
baseline
▲ 0.50% · 4.625%
HK$139,828
+HK$7,001/mo
Deposit HK$24.84M · loan HK$24.84M · min. income ≈ HK$265,654/mo (50% DSR)
Upfront cash ≈ HK$26.95M (deposit + AVD stamp duty HK$2,111,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,931
−HK$8,524/mo
▼ 0.25% · 3.875%
HK$140,159
−HK$4,296/mo
Today · 4.125%
HK$144,455
baseline
▲ 0.50% · 4.625%
HK$153,245
+HK$8,790/mo
Deposit HK$19.87M · loan HK$29.81M · min. income ≈ HK$288,910/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$2,111,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,222
−HK$8,170/mo
▼ 0.25% · 3.875%
HK$155,278
−HK$4,114/mo
Today · 4.125%
HK$159,392
baseline
▲ 0.50% · 4.625%
HK$167,794
+HK$8,402/mo
Deposit HK$19.87M · loan HK$29.81M · min. income ≈ HK$318,784/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$2,111,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,586
−HK$9,945/mo
▼ 0.25% · 3.875%
HK$163,519
−HK$5,012/mo
Today · 4.125%
HK$168,531
baseline
▲ 0.50% · 4.625%
HK$178,786
+HK$10,255/mo
Deposit HK$14.90M · loan HK$34.77M · min. income ≈ HK$337,062/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$2,111,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,426
−HK$9,531/mo
▼ 0.25% · 3.875%
HK$181,157
−HK$4,800/mo
Today · 4.125%
HK$185,957
baseline
▲ 0.50% · 4.625%
HK$195,759
+HK$9,802/mo
Deposit HK$14.90M · loan HK$34.77M · min. income ≈ HK$371,914/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$2,111,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,897
−HK$12,786/mo
▼ 0.25% · 3.875%
HK$210,239
−HK$6,444/mo
Today · 4.125%
HK$216,683
baseline
▲ 0.50% · 4.625%
HK$229,867
+HK$13,184/mo
Deposit HK$4.97M · loan HK$44.71M · min. income ≈ HK$433,366/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$2,111,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,833
−HK$12,255/mo
▼ 0.25% · 3.875%
HK$232,917
−HK$6,171/mo
Today · 4.125%
HK$239,088
baseline
▲ 0.50% · 4.625%
HK$251,691
+HK$12,603/mo
Deposit HK$4.97M · loan HK$44.71M · min. income ≈ HK$478,176/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$2,111,266 · Scale 2, in force from 26 Feb 2026)